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Apartment in Zaragoza

Calle Santa Gema Nº, 45

Torrero-La Paz, Zaragoza • Auction • Ref: #C37A4392

€138,000
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Size

45 m²

OccupancyOccupied · type to verify
31
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

URBANA NUMERO SETENTA Y SIETE.- Piso número cinco, situado en primera planta alzada, de cuarenta y cuatro metros y noventa y seis decímetros cuadrados. Linda; por la izquierda entrando, con el piso número cuatro; por el frente, con caja de la escalera y patio de luces; por la derecha, con pasaje cubierto; y por la espalda, con zona de verde del grupo. Le corresponde una cuota de participación en el valor total del Grupo a que pertenece de cero enteros y cuarenta y cinco centésimas por ciento. El departamento descrito FORMA PARTE en régimen de Propiedad Horizontal de la siguiente finca: rupo de doscientas siete viviendas en Zaragoza, en el Barrio de Colón, calle Santa Gema número cuarenta y cinco. INSCRIPCION.- En el Registro de la Propiedad de Zaragoza Nº Cinco, al tomo 4.452, libro 319, folio 147, FINCA Nº 17.821. REFERENCIA CATASTRAL: 6612601XM7161D0078RU

Legal & cadastral analysis

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Legal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Cargas (€)€114,966
Detalle cargasHipoteca a favor de Ibercaja Banco S.A. por 138000 euros de principal, más intereses y costas. Anotación preventiva de embargo letra A por 5729.25 euros de principal más 1718 euros para intereses y costas a favor de Comunidad de Propietarios Santa Gema 45. Afección fiscal por 37.24 euros.
Hipoteca€107,519
Comunidad€7,447
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, anotacion_preventiva, afeccion_fiscal
Análisis riesgoLa propiedad está ocupada y el edicto indica que no es vivienda habitual, lo que podría facilitar el desalojo, pero la existencia de una anotación preventiva de embargo por la comunidad de propietarios y la afección fiscal añaden complejidad. La deuda hipotecaria es significativa y hay que considerar los costes de desalojo.

Cadastral data

straightenUnreconciled surface: the listing states 44.96 m² but the cadastre records 54 m² (+20%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6612601XM7161D0078RU
Cadastral area
54 m²
Year built
1962
Cadastral use
Residential

How to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

Minimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

Debts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

Financing

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

AVOID

31/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
4/15
Zone liquidity
7/15

Subasta BOE en Zaragoza a 138,000€. Sin tasación de referencia publicada. Posesión con ocupación a verificar. Subasta cierra en 18 días.

Strengths

  • +Subasta inminente: cierre en 18 días, ventana de decisión limitada (presión vendedora)

Risks

  • −Precio +35.3% por encima de mediana zonal
  • −Ocupación judicial sin detalle: verificar in situ antes de pujar
  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

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Location

Torrero-La Paz, Zaragoza, Zaragoza

Price analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

vs free market

+35.3%Above anchor
Scope
Municipality
Zone median
€2,269 /m²
This asset
€3,069 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€138,000
Transfer tax (ITP) 8% — Aragón€11,040
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€483
Estimated total investment€150,523

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

gavelAuction property

Ends: 5 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (10 days)
On Atalaya since16 Sept 2026
Last updated17 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing